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American Express for Target

American Express for Target Cardmember Agreement

Table of Contents

  1. Cardmember Agreement Overview
  2. About Your Card
  3. For Available Balance & 24-Hour Customer Service
  4. Buying and Setting Up Your Card
  5. Using Your Card
  1. Managing Your Card
  2. Other Important Notices
  3. Patriot Act Notice
  4. Additional Plans and Services

WELCOME TO AMERICAN EXPRESS®, WITH THE RELOADABLE PREPAID CARD AVAILABLE EXCLUSIVELY AT TARGET.

Thank you for purchasing American Express for Target, the Card that makes it easy to buy the things you want and need. This Cardmember Agreement will outline the details of the Card, including terms and conditions, how to use and reload the Card, and how to manage your Card. However, you may still have questions. Don't worry, American Express for Target Cardmembers have access to World-Class American Express 24/7 customer service. Feel free to call 1-888-872-9105 or International Collect 1-801-849-2261 (“Customer Service”).

 

CARDMEMBER AGREEMENT OVERVIEW

These terms and conditions (“Terms and Conditions” or “Agreement”) govern the use of your American Express for Target Card. The term “Card” or “American Express for Target Card” refers to the Card issued to you at time of purchase as well as any additional Cards, including personalized and replacement Cards. By purchasing, signing, activating or using the Card issued to you, you agree to be bound by these Terms and Conditions in their entirety. In this Cardmember Agreement, “Cardmember,” You” and “Your” means the person who has purchased the Card. This Card may only be used by the person to whom it is issued, and at no time may you authorize anyone else to use the Card. You must be at least 18 years of age to purchase and register the Card. You may not purchase and register more than two(2) Cards.These Terms and Conditions incorporate by reference the terms and conditions for special offers related to the Card (“Special Offers Terms”), and you shall be subject to the Special Offers Terms. In addition, if you have elected to receive Account Alerts (as defined below), this Cardmember Agreement incorporates by reference the Terms and Conditions for Account Alerts set forth at americanexpress.com/target. The terms “we,” “our” and “us” refer to American Express Prepaid Card Management Corporation, the issuer of the Card.

 

ABOUT YOUR CARD

The Card is a prepaid, reloadable payment device which must have funds loaded to it prior to use. The Card is not a gift card or credit, debit or charge card, and does not constitute a checking, savings or other demand deposit or consumer asset account. The Card is not a payroll card and cannot be used to make payroll to anyone. Except where required by law, the Card is not redeemable for cash. The Card is not transferable, and you agree not to permit any other person to use your Card. You will not receive interest on the funds loaded on the Card, and funds on the Card are NOT insured by the Federal Deposit Insurance Corporation. You are wholly responsible for the use of the Card in accordance with the terms of this Agreement.

The value of the funds available on your Card at any time is referred to as your “Available Balance” or “Available Funds.” Subject to the amount of Available Funds on your Card, we may allow you to use the Card to obtain cash from a majority of Automatic Teller Machines (ATMs) within the United States, in accordance with these Terms and Conditions. The Card may also be used for payment of goods and services at retailers and other merchants in the U.S., Puerto Rico and US Virgin Islands that accept American Express Cards. This includes mail order, online and brick and mortar establishments (each a “Merchant”). Certain limitations on use apply. You agree that you will not use the Card to engage in any type of illegal activity or make any prohibited purchase (e.g., purchase of alcohol or tobacco by a minor). Merchant categories are determined by Merchants and other parties, and you agree to hold us harmless for any transactions that occur as a result of inaccuracies in Merchant classification.

THE CARD IS CURRENTLY NOT AVAILABLE FOR SALE in Arkansas (AR) and Vermont (VT). Please call 1-888-872-9105 / International Collect 1-801-849-2261 (“Customer Service”) or access americanexpress.com/target for a current listing of states in which the Card is not available for sale.

 

FOR AVAILABLE BALANCE AND 24-HOUR CUSTOMER SERVICE

  • Sign up for Alerts and text BAL plus the last 4 Card number digits (e.g.BAL XXXX) to 91315. You can sign up for Alerts at americanexpress.com/target. While American Express does not charge for text messages, your mobile service provider's message and data rates may apply.
  • Visit americanexpress.com/target
  • Call US 1-888-872-9105 / INTERNATIONAL COLLECT 1-801-849-2261
 

BUYING AND SETTING UP YOUR CARD

PURCHASING THE CARD

When purchasing the Card, you can load between a minimum of $.01 US and a maximum of $500 US, using any tender type accepted by Target. We may change these load amounts at any time for legal, risk management or security purposes. An identity verification check will be performed during the purchase process. During this process we may ask you for personal information such as name, address, social security number and date of birth. You agree to provide personal information during the purchase process that is accurate and complete. You will not be able to reload your Card with funds until your customer information has been verified, which could take up to two (2) business days from time of purchase, and you will not be able to access funds from an ATM until your customer information has been verified and you have received and activated your personalized Card, as described below. Other Card functionality may be limited until we complete verification of your identity and/or you have received and activated your personalized Card.

We will notify you of successful (or unsuccessful) identity verification by mail, email or phone, using the information you provided at the time of purchase. Upon our successful verification of your identity, we will ship, via U.S. mail to the address you provided when purchasing the Card, a personalized Card that will replace the Card you purchased at Target. Your personalized Card must be activated upon receipt, either by calling the toll-free number provided on the activation sticker adhered to your personalized Card or by visiting americanexpress.com/activate-target. Upon activation of your personalized Card, the balance on the Card initially purchased at Target will be transferred to your personalized Card and the Card Initially purchased at Target will be deactivated. Until the earlier of (i) the date you activate your personalized Card and (ii) the thirtieth (30th) day after the date you purchased your Card, you may continue to use the Card initially purchased at Target, Thereafter, the Card purchased at Target will be cancelled.

You can open only one Card per day and maximum of two Cards per person. Any attempt to open additional Cards will be declined.

MANAGING YOUR CARD ONLINE

After you purchase a Card, you will be able to set up online access for the Card and designate a personal password that you may use to sign in at americanexpress.com/target (the “Website”) where you may, among other actions, check your Card’s Available Balance, view your transaction history (“Online Transaction History”), and after successful verification of your identity, designate a Funding Source (as defined in the section entitled “Designating a Funding Source” below) to reload funds online and by phone, and sign up for and manage Account Alerts. You are responsible for keeping your password safe and you will need it every time you sign in to the portion of the Website that contains your personal Card data; we call this the “Manage Your Card Page.” Please notify Customer Service immediately at 1-888-872-9105 (International Collect 1-801-849-2261), if you believe that the security of your Card or password has been compromised.

You agree: (i) to update your personal information as necessary so that it remains accurate and complete; and (ii) not to impersonate any other person, operate under an alias or otherwise conceal your identity. We will use the information you give us, as well as the information we receive from your use of the Card, to facilitate your participation in Card services and for other purposes consistent with our Privacy Notice, which has been delivered with this Cardmember Agreement and can be found at americanexpress.com/target. Your Manage Your Card Page will contain your Card’s Online Transaction History and will be accessible to you on the website. You must have your password in order to access the Manage Your Card Page.

DESIGNATING A FUNDING SOURCE

After your identity has been verified, you may, at the Website, designate a funding source (“Funding Source”) which, after verification by our systems, may be used to load funds to your Card from time to time online or by phone. We may, but are not obligated to, accept a variety of funding sources at any time, such as a US bank savings or checking account, and may change or add new types of eligible Funding Sources at any time or allow you to change designated Funding Sources (subject to verification) from time to time. Any Funding Source associated with a Card must be owned by you. By designating a Funding Source, you will authorize and cause monies to be debited from your Funding Source each time you load your Card online or by phone. Please note that if you have designated a checking or savings account as a Funding Source, verification via trial deposit may take several business days.

SIGNING YOUR CARD

The person in whose name the Card has been issued must sign his/her signature on the back, where indicated. Write down your Card number, 4-digit Card security code located on the front of your Card and the Customer Service number on a separate piece of paper in case your Card is lost or stolen.

ELECTRONIC DELIVERY OF NOTICES AND INFORMATION

When setting up your online access to the Card, you are required to provide a valid email address. Notices, communications, information and other disclosures related to your Card may be delivered to the email address you have provided. You agree to keep your email address up-to-date by visiting the Website.

FEE TABLE

The following fees and charges are payable by you in connection with your use of the Card and are subject to change (collectively, “Fees”). For the most current Fee schedule, please call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261) or visit the Website at americanexpress.com/target. We reserve the right to change or waive any Fee and amend the Fee schedule at any time.

FEES
ATM We will not charge a fee for your first ATM withdrawal in each calendar month; thereafter, a $3.00 per ATM withdrawal charge will be assessed against the Card balance (additional fees may be charged by owner/ operator of the ATM for any ATM transaction, including the first ATM withdrawal in each calendar month)
Reload $3.00 per initial load at Target and each subsequent reload (other than online & phone reloads using your designated checking or savings account)

PAYMENT OF FEES

By signing, activating or using the Card and agreeing to these Terms and Conditions, you agree to pay the Fees and authorize American Express, subject to applicable law, to debit or charge your Funding Source, debit the Available Funds on your Card, or otherwise require payment, in the amount of any and all Fees owed by you related to the use of your Card. The amount of the debit or charge for a Fee will depend upon the amount of such Fee as in effect at that time. The date of the debit or charge will depend on the date that your Fee is due and when sufficient available funds are on your Card.

 

USING YOUR CARD

RELOADING THE CARD

Your identity must be verified before you will be permitted to make any reloads to the Card. After successful identity verification, you can load funds to the Card at any time(i) using your Funding Source online or by phone, (ii) via direct deposit of your paycheck or (iii) by loading funds at participating Target stores in the US using any tender type that is accepted at Target stores. We may change accepted tender types and Funding Sources, and Target may change accepted tender types, at any time for legal, risk management or security purposes. Only you as the Cardmember can make reloads to the Card. We reserve the right to delay the availability of funds loaded to your Card until such funds have cleared and posted to your Card from your Funding Source. Funds loaded to the Card from your savings or checking account via the Automated Clearing House network (ACH) will generally be available within five (5) business days after load is requested. You may load funds to your Cards using your Funding Source until the Available Funds on any Card purchased by you equals $2,500 and on all card purchased by you equals $5,000, and you may load funds to your Cards using Direct Deposit until the Available Funds on any Card purchased by you equals $10,000 or on all Cards purchased by you equals $10,000. Not more than $1,000 may be loaded to any Card purchased by you in a 24 hour period using your Funding Source, not more than $5,000 may be loaded to all Cards purchased by you in any 28-day period using your Funding Source, and not more than $10,000 may be loaded to all Cards purchased by you in any 28-day period using Direct Deposit. We may change these limits at any time for legal, risk management, security or other purposes. The ability to reload funds at certain Target store locations in certain states may be restricted.

DIRECT DEPOSIT

You may arrange to have all or part of your paycheck transferred directly to your Card by your employer or other appropriate payor. To enroll, you will need to provide your employer or payor with the direct deposit enrollment form available by accessing your online account at the Website (your employer may request that you fill out an alternate form). Funds transferred via direct deposit will generally be available on the day we receive the transfer. If you have arranged to have direct deposits made to the Card, you may review your Online Transaction History or call the Customer Service Number to verify that each deposit has been made. We reserve the right to accept, reject or limit transfers via direct deposit in our sole discretion. You may cancel your direct deposit authorization at any time by sending a written notice to your employer and providing your employer and us sufficient time to act upon the notice. Your employer may terminate this method of payment, with or without cause, at any time.

Please note:

  • 1. Payments by the U.S. government may not be direct deposited onto the Card. This includes wages, salaries,retirement benefits if you work(ed) for the U.S. Government,and benefits such as Social Security, SSI, Civil Service Retirement, Veterans Affairs compensation and/pension, If you try to set up direct deposit for these payments, they may be rejected by us, resulting in possible delay in your receipt of such payments.

  • PRE-AUTHORIZATION OF RECURRING
    LOADS TO YOUR CARD

    You may request that your Card be loaded from your Funding Source in a set amount on a recurring, periodic basis. You must use your personal password to sign into the Website in order to request recurring loads on your Card.

    PURCHASES AT MERCHANT ESTABLISHMENTS

    Present the Card to the Merchant at the time of payment and sign the receipt with the same signature you used when you signed the back of your Card. Retain the receipt as a record of the transaction. You agree to use the Card only at Merchants and only for lawful purposes. You acknowledge that purchases made with prepaid cards, such as this Card, are similar to those made with cash. You cannot “stop payment” on such transactions.

    Depending on the Merchant’s policy, you may be able to use your Card with another form of payment, such as cash, check or another card, to make a purchase. This is known as a “Split Tender Transaction.” To make a purchase for more than the Available Funds on the Card:

    1. Present the Card for payment and tell the cashier it is a prepaid card.
    2. Tell the cashier the Available Funds and ask whether another form of payment will be accepted for the balance of the purchase.
    3. Before the Card is “swiped,” tell the cashier to only authorize the Card for the Available Funds.
    4. If the Card is declined, remind the cashier of the Available Funds.
    5. Be prepared to provide a second form of payment to cover the balance of your purchase.

    Some Merchants may only allow you to use cash or check, but not another card, as the second form of payment. Some Merchants do not permit a second form of payment at all. We do not guarantee that a Merchant will permit a Split Tender Transaction.

    You can also use the Card to make a purchase over the Internet or by mail order. However, some internet and mail-order Merchants do not permit a second form of payment at all. If you experience any difficulty making a purchase online or by mail order with the Card, please call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261) for assistance.

    FUNDS SHORTAGES

    Each time you use your Card, the amount of the transaction will be debited from your Card’s Available Funds. You agree not to make a purchase or other transaction in excess of your Card’s Available Funds. If you do make a purchase or other transaction or if a Fee is deducted from Available Funds that exceeds the Available Funds on your Card and, as a result, the balance on your Card is negative (a “Shortage”), you shall remain fully responsible for the Shortage amount and we reserve the right to require that you immediately forward payment to us for any such Shortage. Subject to applicable law, we reserve the right to debit the Available Funds on your Card or any other prepaid card you hold that is issued by us, or debit any subsequent loads to the Card, or charge your Funding Source for any Shortage amount upon the occurrence of a Shortage.

    TRACKING YOUR BALANCE
    & VERIFYING YOUR TRANSACTIONS

    The Available Funds on your Card do not expire. You may obtain information about the Available Funds on your Card by calling Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261). This information, along with a sixty (60) day history of transactions on your Card, is also available online by signing into your Manage Your Card Page at americanexpress.com/target. You have the right to obtain a sixty (60) day written history of Card transactions by calling Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261) or by writing us at American Express, PO Box 30383, Salt Lake City, UT 84130.

    There are three ways that your Available Funds may be decreased. First, if you make a purchase with the Card or a cash withdrawal at an ATM, we will deduct the full amount of that purchase or cash withdrawal, including taxes and any related fees, from the Available Funds. Second, if you use the Card and the Merchant authorizes for an amount greater than the actual purchase (e.g., when you use the Card at a Merchant expecting a gratuity), the Available Funds will be temporarily decreased by the amount of the authorization until the actual transaction posts, which typically occurs within three (3) business days. Only the final amount of the purchase will ultimately be deducted from the Available Funds. Third, your Available Balance may decrease if a Fee is deducted from it as provided in these Terms and Conditions. Once the Available Funds reaches zero ($0), you agree that you will no longer use the Card until funds have been reloaded to the Card.

    Restaurants, hair salons and some other types of Merchants will obtain an authorization on the Card for an amount up to 20% more than the total service bill to cover any gratuity that may be added. Be sure that the Available Funds on your Card are sufficient to cover the cost of the bill plus any anticipated gratuity. If the Card is declined, ask the Merchant to obtain an authorization for an amount equal to or less than the Available Funds.

    Gas stations will routinely obtain an authorization on the Card for an estimated purchase amount to ensure that the Available Funds will cover the final purchase. To avoid having a gas station obtain authorization for an amount that is higher than the Available Funds, we suggest that you prepay inside at the cashier for an amount equal to, or less than, the Available Funds on the Card.

    ATM ACCESS

    We will provide you with a Personal Identification Number (“PIN”) by mail after your customer information has been successfully verified. This PIN will arrive separately from your Personalized Card. Unless you have specifically blocked the Card’s cash access feature, you may use your personalized Card and PIN to obtain cash access via an ATM. Do not write or keep your PIN with your Card. If you lost your PIN, believe it has been compromised or otherwise need or desire to request a change in your PIN, please immediately contact Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261). To get cash, use the “withdrawal from checking” option at a participating ATM. Subject to the amount of Available Funds on your Card, you may use the Card to obtain up to $400 US per card, per day, plus any fees assessed. We may change this amount at any time for legal, risk management or security purposes. You can use the Card at a majority of the ATMs in the US. However, you may not use the Card at ATMs outside of the US. Acceptance within ATM networks may change at any time. Use of the Card at ATMs is subject to all applicable fees, surcharges, rules and customs of any clearinghouse, ATM network, or other institution or association involved with the transaction. After your first ATM withdrawal in each calendar month, a Fee is imposed by us each time a Card is used to obtain cash or any other services from an ATM, as set forth in the Schedule of Fees. The owner/operator of the ATM may also impose a fee, in addition to any Fee charged by us, for any ATM withdrawal (including your first ATM withdrawal in each calendar month).

    RETURNING MERCHANDISE If you wish to return any merchandise purchased with the Card, you will be subject to the Merchant’s return policies. If the Merchant agrees to issue a credit to the Card, such funds may not be available for seven (7) days or longer.

     

    MANAGING YOUR CARD

    REPLACING YOUR CARD AFTER ITS “VALID THRU” DATE

    Please note the Card has a “Valid Thru” date on the front of the Card. This “Valid Thru” date is the date through which your physical plastic card may be used, and is required to process purchases at Merchants that request a plastic expiration date. Even if the “Valid Thru” date has passed on your Card, remember that the Available Funds on your Card remain unchanged and intact, as they do not expire. You may not use the Card after the “Valid Thru” date on the front of the Card.

    You should receive a replacement Card from us before your old personalized Card’s “Valid Thru” date passes. Once you receive your new Card, you should cut the old Card in half and throw it away. The old Card may not be used for transactions or purchases. You can start using your new Card for transactions and purchases as soon as you receive it in the mail and it is activated (if applicable). If you do not receive a replacement Card in a timely manner, please call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261).

    If for any reason we are unable to send you a replacement Card, please keep your old Card and notify us. You may contact Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261) to obtain a replacement Card or instructions on how to redeem Available Funds.

    LOST OR STOLEN CARDS

    If your Card is lost or stolen, contact Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261) immediately. You will be required to provide your name, address, Card number and other details for identification purposes. Upon your report to us of loss or theft, your Card will be suspended and no further transactions or purchases with the Card will be permitted. A replacement Card will be issued to you with a value equal to the Available Funds on the Card at the time you notified us of the loss or theft. You will be required to activate the replacement Card before use.

    You are not liable for fraudulent transactions or purchases with the Card. If you believe that an unauthorized transaction has occurred after your Card was lost or stolen, please follow the instructions described in the section entitled “Errors or Questions About Transactions Related to the Card.” You agree to provide us all information and assistance reasonably requested to make a complete investigation and determination with respect to the loss or theft, or the occurrence of any fraudulent transactions or purchases on, your Card, and we reserve the right to complete such investigation.

    ERRORS OR QUESTIONS ABOUT
    TRANSACTIONS RELATED TO THE CARD

    Call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261) or write American Express at the address below as soon as you can if you think your Online Transaction History or receipt is wrong or if you need more information about a particular transaction. We must hear from you no later than sixty (60) days after the earlier of (i) the date you electronically access your Online Transaction History, if the error could be viewed there, or (ii) the date we sent the FIRST written history on which the error appeared. You may request a sixty (60) day written history of your transactions at any time by calling Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261) or writing us at American Express, PO Box 30383, Salt Lake City, UT 84130.

    If you are delayed in contacting us due to extenuating circumstances (such as a hospital stay or personal accident), we may extend this sixty (60) days for a reasonable time. When you call:

    1. Tell us your name and Card number;
    2. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information;
    3. Tell us the dollar amount of the suspected error; and
    4. Tell us approximately when the error took place.

    We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your Card within ten (10) business days for the amount you reported is in error, so that you will have the money during the time it takes us to complete our investigation. If you call us with your complaint or question and we ask you during that call to put your complaint or question in writing, and we do not receive it within 10 business days, we may not credit your Card. Complaints or questions submitted in writing should be mailed to American Express for Target Card, Dispute Form, 4315 S 2700 W, Salt Lake City, UT 84184 – 0440.

    For errors involving new Cards or point-of-sale transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Cards, we may take up to twenty (20) business days to provisionally credit your Card for the amount you reported is in error. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and debit your Card for any amount that was provisionally credited after the error was reported. You may ask for copies of the documents that we used in our investigation.

    If you need more information about our error-resolution procedures, please call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261).

    SUSPENSION OR CANCELLATION
    OF YOUR CARD/REFUND

    You may cancel your Card at any time by calling Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261). If Available Funds remain on the Card upon your Card cancellation, we may refund such amount by, in our discretion, crediting your Funding Source or issuing you a check. We reserve the right to investigate all requests for cancellation and refunds and to enable all Card transactions made prior to Card cancellation to post before processing a refund. All refunds are at our sole discretion. If we elect to provide a refund, we will cancel your Card and process your refund.

    We reserve the right to suspend or cancel your Card (i) if you neither load funds nor use your Card for a period of one year or more, (ii) if you attempted loads to your Card from your Funding Source and are declined or dishonored repeatedly, (iii) if you violate these Terms and Conditions, (iv) if you fail to pay any Fee within sixty (60) days of the date it is due, (v) if there are potential fraud or security risks associated with your Card, as determined by us, or (vi) for any reason allowed by law. We may, in our sole discretion, decide not to exercise our right to suspend or cancel your Card upon the occurrence of an event

    described in the preceding sentence; but forbearing from exercising our right to suspend or cancel your Card (either once or repeatedly) will not constitute a waiver of or preclude the exercise of our right to do so in the future upon the occurrence of an event described in the preceding sentence. If we suspend your Card, you will not be able to use your Card for purchases or ATM access and you may not have access to certain services associated with the Card such as Roadside Assistance or Special Offers as referenced in this Agreement. While your Card is suspended, we will not collect any Fees with respect to your Card. If we cancel your Card after the Valid Thru date has passed, any Available Funds remaining on the Card upon such cancellation, after payment for all applicable Fees and other amounts payable to us, will be returned to you, in our discretion, by crediting your Funding Source or issuing you a check. If we cancel your Card prior to the passing of the Valid Thru date on the Card, we may condition reimbursement upon return of the Card to us. The Card is our property.

     

    OTHER IMPORTANT NOTICES

    NO WARRANTIES

    We are not responsible or liable to you (i) for any interruption in your use of the Card, (ii) for the quality, safety, legality, or any other aspect of any goods or services purchased from any Merchant with your Card, (iii) if any Merchant refuses to honor the Card or special offers, and/or (iv) for any other problems you may have with any Merchant. Subject to applicable law, if you have a dispute with a Merchant, you agree to settle the dispute directly with the Merchant. If a Merchant fails to honor the Card, please call Customer Service at 1-888-872-9105 (International Collect 1-801-849-2261) to report the incident.

    CHANGING THESE TERMS AND CONDITIONS/
    NOTICES/CARD CANCELLATION

    We may change the terms of, or add new terms to, these Terms and Conditions at any time, with or without cause, and without giving you notice, subject to applicable law. In addition, we may suspend, cancel, add, modify or delete any feature or benefit offered in connection with your Card at our sole discretion at any time, with or without cause, and without giving you notice, subject to applicable law. We reserve the right to deliver to you any notice of changes to existing terms or the addition of new terms by US Mail or electronically to the street and/or email address you have provided for your Card. Any notice given by us shall be deemed given when deposited in the United States Mail, postage prepaid, addressed to you at the latest address shown on our records, or sent electronically to the email address you have provided for your Card. If we cancel your Card prior to the expiration of the “Valid Thru” date, any Available Funds remaining on the Card upon such cancellation, after payment for all applicable Fees, will be returned to you. If the “Valid Thru” date on the Card has not passed, we may condition reimbursement upon return of the Card to us. The Card is our property.

    ASSIGNMENT AND WAIVER

    We may assign these Terms and Conditions to a third party at any time without notice to you. However, if we assign these Terms and Conditions, the terms will remain substantially and materially the same unless you are notified. If we reimburse you for a refund claim you have made for a lost or stolen Card, or if we otherwise provide you with a credit or payment with respect to any problem arising out of any transaction made with the Card, you are automatically deemed to assign and transfer to us any rights and claims, excluding tort claims, that you have, had or may have against any third party for an amount equal to the amount we have paid to you or credited to your Card. You agree that you will not pursue any claim against, or reimbursement from, such third party for the amount that we paid or credited to your Card, and that you will cooperate with us if we decide to pursue the third party for the amount paid or credited. Neither our failure to exercise any of our rights under these Terms and Conditions, nor our delay in enforcing or exercising any of our rights, shall constitute a waiver of such rights. If we waive any right under these Terms and Conditions on one occasion, such waiver shall not operate as a waiver as to any other occasion.

    PRIVACY & DATA SECURITY

    For information about how we use Cardmember information and protect your privacy and data security, please refer to our Privacy Notice which has been delivered with this Cardmember Agreement and can also be viewed at americanexpress.com/target.

    TELEPHONE MONITORING/RECORDING

    Subject to applicable law, from time to time we may monitor and/or record telephone calls between you and us to assure the quality of our Customer Service or as required by applicable law.

    SPECIAL OFFERS AND MARKETING Special Offers may be available from time to time at participating merchants. As a Cardmember, you may also be eligible to participate in various special programs from time to time. Specific terms, conditions and restrictions for each offer or special program can be accessed at americanexpress.com/target. We take no responsibility for such special offers. We reserve the right to add to, change and/or cancel the offers at any time.

    ARBITRATION

    Agreement to Arbitrate Disputes: This Arbitration Provision sets forth the circumstances and procedures under which Claims (defined below) that arise between you and us will be resolved through binding arbitration. This means that neither you nor we will have the right to litigate that Claim in court or have a jury trial on that Claim. Other rights that you would have in court also may not be available or may be limited in arbitration, including your right to appeal and your ability to participate in a class action. Nothing in this provision precludes you from filing and pursuing your individual Claim in a small claims court in your state or municipality, so long as that Claim is pending only in that court.

    Definitions: As used in this Arbitration Provision, the term “Claim” shall mean and include any claim, dispute or controversy of every kind and nature, whether based in law or equity, between you and us arising from or relating to the Card or these Terms and Conditions, as well as any related or prior agreement that you may have had with us or the relationships resulting from any of the above agreements (“Agreements”), including the validity, enforceability or scope of this Arbitration Provision or the Agreements. “Claim” also includes claims by or against any third party using or providing any product, service or benefit in connection with the Card (including, but not limited to, third parties who accept the Card, third parties who use, provide or participate in programs accessed with the Card, enrollment services and rewards programs, debt collectors and all of their agents, employees, directors and representatives) if and only if, such third party is named as a co-party with you or us (or files a Claim with or against you or us) in connection with a Claim asserted by you or us against the other. As used in this Arbitration Provision, “you” and “us” also includes any corporate parent, or wholly or majority owned subsidiaries, affiliates, any licensees, predecessors, successors, assigns, any purchaser of any accounts, all agents, employees, directors and representatives of any of the foregoing, and any third party using or providing any product, service or benefit in connection with the Card.

    Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed (the “Code”), except to the extent the Code conflicts with this Agreement. Claims shall be referred to either JAMS (“JAMS”) or the American Arbitration Association (“AAA”), as selected by the party electing to use arbitration. If a selection by us of either of these organizations is unacceptable to you, you shall have the right within thirty (30) days after you receive notice of our election to select the other organization listed to serve as arbitration administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact (1) JAMS at 1920 Main Street, Suite 300, Irvine, CA 92614; www.jamsadr.com, (2) AAA at 335 Madison Avenue, New York, NY 10017, www.adr.org. In addition to the arbitration organizations listed above, Claims may be referred to any other arbitration organization that is mutually agreed upon in writing by you and us, or to an arbitration organization or arbitrator(s) appointed pursuant to Section 5 of the Federal Arbitration Act, 9 US C. Sections 1-16, provided that any such arbitration organization and arbitrator(s) will enforce the terms of the Restrictions on Arbitration provision set forth below.

    Class Action Waiver and Other Restrictions: Arbitration shall proceed solely on an individual basis without the right for any Claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of others. The arbitrator’s authority to resolve and make written awards is limited to Claims between you and us alone. Claims may not be joined or consolidated unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in these Terms and Conditions (including the “Continuation” provision below), and without waiving either party’s right of appeal, if any portion of this “Class Action Waiver and Other Restrictions” provision is deemed invalid or unenforceable, then the entire Arbitration Provision (other than this sentence) shall not apply.

    Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 US C. Sections 1-16, as it may be amended (“FAA”), and the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law. Federal or state rules of civil procedure or evidence shall not apply. Written requests to expand the scope of discovery rest within the arbitrator’s sole discretion and shall be determined pursuant to the applicable Code. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the written arbitral award may be entered in any court having jurisdiction. Subject to the right of appeal under the FAA, the arbitrator’s written decision will be final and binding unless you or we take an appeal from the award by making a dated, written request to the arbitration organization within thirty (30) days from the date of entry of the written arbitral award. A three-arbitrator panel administered by the same arbitration organization shall consider anew any aspect of the award objected to by the appellant, conduct an arbitration pursuant to its Code and issue its decision within one hundred and twenty (120) days of the date of the appellant’s written notice. The panel’s majority vote decision shall be final and binding.

    Location of Arbitration/Payment of Fees: The arbitration shall take place in the federal judicial district of your residence. Irrespective of who prevails in arbitration, you will only be responsible for paying your share, if any, of the arbitration fees required by the applicable Code, which amount shall not exceed the filing fees you would have incurred if the Claim had been brought in the appropriate state or federal court closest to your residence. We will pay the remainder of any arbitration fees. At your written request, we will consider in good faith making a temporary advance of all or part of your share of the arbitration fees. Waivers also may be available from the JAMS or AAA.

    Continuation: This Arbitration Provision shall survive termination of the Card, as well as voluntary payment in full of any Shortages, any debt collection proceeding by or between you and us, and any bankruptcy by you or us. If any portion of this Arbitration Provision, except the “Class Action Waiver and Other Restrictions” provision above, is deemed invalid or unenforceable for any reason, it shall not invalidate the remaining portions of this Arbitration Provision, these Terms and Conditions or any predecessor agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.

    APPLICABLE LAW

    These Terms and Conditions and your Card, and all questions about their legality, enforceability and interpretation, are governed by the laws of the State of New York, USA (without regard to internal principles of conflicts of law). The Card is issued by American Express Prepaid Card Management Corporation, a subsidiary of American Express Travel Related Services Company, Inc.

    SPECIAL NOTICE TO CALIFORNIA RESIDENTS:
    RIGHT TO REFUND

    The following applies to California residents with respect to the use of the Card to transmit funds to a foreign country by means of a valid purchase or ATM transaction occurring outside of the United States:
    You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if American Express Prepaid Card Management Corporation does not forward the money received from you within ten (10) days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within ten (10) days of the date of the receipt of funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not been forwarded or transmitted you have a right to a refund of your money.

    If you want a refund, you must mail or deliver your written request to American Express Prepaid Card Management Corporation at PO Box 30383, Salt Lake City, UT 84130. If you do not receive a refund, you may be entitled to your money back plus a penalty of up to $1,000 US and attorney’s fees pursuant to Section 1810.5 of the California Financial Code.

     

    PATRIOT ACT NOTICE

    INFORMATION ABOUT PROCEDURES
    FOR PURCHASING A CARD

    IMPORTANTTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who purchases a product like the Card.

     

    ADDITIONAL PLANS AND SERVICES

    Once we have confirmed your identity, you are eligible to participate in Alerts from American Express for Target and the American Express® Roadside Assistance Program and Purchase Protection, as outlined on the following pages.

    ALERTS FROM AMERICAN EXPRESS FOR TARGET

    After you register your Card online, you may elect to receive certain notifications described from time to time in the “Sign Up for Alerts” section of the Website as “Account Alerts” (“Alerts”). These Alerts can provide you with notice that a Card transaction has occurred, that your Card has a low balance and that a reload has occurred, among others. Upon your election to receive Alerts, the Terms and Conditions for Account Alerts, set forth at americanexpress.com/target, will be a part of and incorporated by reference in this Cardmember Agreement.

    THE AMERICAN EXPRESS® ROADSIDE ASSISTANCE PROGRAM

    The information below summarizes the terms and conditions of the American Express® Roadside Assistance Program (“Roadside Assistance”). Through Roadside Assistance, American Express may arrange for six (6) basic emergency roadside services to be provided to Cardmembers: (i) towing to nearest available repair shop or preferred destination depending on provider availability, (ii) winching; (iii) jumpstarts when a battery is dead; (iv) delivery of up to two (2) gallons of gas; (v) locksmith service if keys are locked in the car; and, (vi) changing of a flat tire if the car has a workable spare. All costs associated with these emergency roadside services are the responsibility of the Cardmember and such services are provided through a third party. These services are available when a Cardmember and a licensed driver are present, or the Cardmember is licensed themselves. Services are available regardless of mileage from primary residence when traveling within the 50 United States of America, the District of Columbia, Canada, Puerto Rico and the U.S. Virgin Islands.

    American Express® Proprietary US Charge and Credit Cardmembers as well as certain American Express prepaid Cardmembers, including American Express for Target Cardmembers, whose customer information has been verified, are eligible for this service.

    Description of Benefits: Services under the Roadside Assistance Program are provided only for self-propelled, four-wheel vehicles designed, licensed, and used for non-public on-road transportation, or private trucks (including SUVs) with a carrying capacity of up to two (2) tons. In the event a Cardmember needs emergency roadside services, the Cardmember should call Customer Service at 1-888-872-9105 or International Collect 1-801-849-2261. At the request of the Cardmember, the Roadside Assistance representative will also contact family, friends or place of business to let them know of the situation. The Cardmember will receive an automated call back to ensure services were rendered. All costs associated with the emergency roadside services are due at time of service. In the case of inclement weather or natural disasters, we may be unable to provide you with Services.

    Exclusions: Roadside Assistance is provided as an emergency roadside service and not for general automobile maintenance. Cardmember shall be responsible for: all parts, labor or supplies provided while at an auto repair shop or service station, towing to another location unless the initial service location is closed, service for taxicabs, tractors, boats, rental vehicles, ambulances, trucks, vehicles used for competition, unlicensed vehicles, illegally parked or impounded vehicles, or any vehicles in tow, rental and towing equipment, towing at the direction of law enforcement officer relating to traffic obstruction, impoundment, abandonment, illegal parking, or other violations of law or towing by other than a licensed service station or garage, installation or removal of snow tires, repairs to studs, mounting and dismounting snow chains, repeated service calls for a vehicle in need of routine maintenance or repair, shoveling snow from around a vehicle, vehicle storage, or impoundment charges. Locksmith service does not include microchip or transponder keys.

    Termination or Cancellation: Coverage will cease on the earliest of the following:

    1. The date you no longer maintain a permanent residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands ;
    2. The date we determine that you or someone on your behalf intentionally misrepresented or fraud occurred;
    3. The date the benefit is cancelled;
    4. The date you are no longer a Cardmember;
    5. The date your account ceases to be current and in good standing; or
    6. The date the benefit is not available in the location where you maintain a permanent residence.

    The company has the right to cancel the Program at any time by sending a written notice at least forty-five (45) days in advance to you at your last-known address. The notice will include the reason for cancellation.

    PURCHASE PROTECTION

    DESCRIPTION OF COVERAGE
    Underwritten by AMEX Assurance Company
    Administrative Office, P.O. Box 53701 Phoenix, AZ 85072-9872
    Purchase Protection can provide coverage for your eligible purchases for ninety (90) days from the date of purchase when you charge any portion of the price of the eligible purchased item to your account. You will be reimbursed only for the amount charged to Your Account. (See Description of Benefits section).

    DEFINITIONS
    Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires.

    Account means Your American Express Card Account.
    Cardmember means a person who has been issued a United States of America based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands.
    Covered Incident means the theft of, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account.
    Company means AMEX Assurance Company, and its duly authorized agents.
    Current and in Good Standing means a Cardmember Account for which the monthly minimum requirement has been paid prior to the date in which the claim is payable.
    Master Policyholder means American Express Travel Related Services Company, Inc.
    Permanent Residence means the one primary dwelling place where the Cardmember resides and to which they intend to return.
    Plan means the Policy and the benefits described therein.
    Platinum Cardmember means a Cardmember who has a Platinum Charge Card (required to be paid in full monthly), a Corporate Platinum Card, or a Fidelity American Express Platinum Card. Any other Card which may reference the Platinum name or has Platinum colored plastic will not receive higher coverage limits or benefits.
    Policy means the Group Insurance Master Policy (AX0951 issued to American Express Travel Related Services Company, Inc.).
    We, Us, Our means the Company.
    You, Your means the Cardmember.

    DESCRIPTION OF BENEFITS
    We will pay you the expense charged to Your Account up to $1,000 for any one Covered Incident and up to $50,000 for all Covered Incidents during a calendar year. Purchase Protection provides benefits, for ninety (90) days from the date of purchase, if a Covered Incident occurs with respect to property you purchased and charged to Your Account. Our benefit payment will not include shipping and handling expenses or installation, assembly, professional advice, maintenance or other service charges or any product rebates, discounts or money received from lowest price comparison programs that reduced the original cost of the property.

    Our payment of any eligible benefit amount is further contingent upon Your Account being Current and in Good Standing. Only a Cardmember has a legal and equitable right to any insurance benefit that may be available under this Plan.

    EXCLUSIONS
    Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:

    1. war or any act of war, whether declared or undeclared;
    2. any activity directly related to and occurring while in the service of any armed military force of any nation state recognized by the United Nations;
    3. participation in a riot, civil disturbance, protest or insurrection;
    4. violation of a criminal law, offense or infraction;
    5. natural disasters, including, but not limited to, hurricanes, floods, tornados, earthquakes or any other event in the course of nature, that occurs at the same time or in separate instances;
    6. fraud or abuse or illegal activity of any kind by the Cardmember;
    7. confiscation by any governmental authority, public authority, or customs official;
    8. negligent failure of a duty to care by any third party in whose possession the property purchased by a Cardmember has been temporarily placed;
    9. not being reasonably safeguarded by You;
    10. theft from baggage not carried by hand and under Your personal supervision or under the supervision of a traveling companion known by You;
    11. damage through alteration (including, but not limited to, cutting, sawing and shaping);
    12. normal wear and tear, inherent product defect or manufacturer’s defects or normal course of play;
    13. damage or theft while under the care and control of a common carrier;
    14. food spoilage;
    15. leaving property at an unoccupied construction site; or
    16. purchases lost or misplaced.

    For residents of Washington, the first paragraph of this section is removed and replaced with the following: We will not pay for loss caused by any of the excluded events described below. Loss will be considered to have been caused by an excluded event if the occurrences of that event directly and solely results in loss, or initiates a sequence of events that result in loss, regardless of the nature of any intermediate or final event in that sequence.

    PURCHASES NOT COVERED
    The following purchases are not covered:

    1. travelers checks, tickets of any kind, negotiable instruments (including, but not limited to, gift certificates, gift cards and giftchecks), cash or its equivalent;
    2. animals or living plants;
    3. rare stamps or coins;
    4. consumable or perishable items with limited life spans (including, but not limited to, perfume, light bulbs, batteries);
    5. antique or previously owned items;
    6. motorized vehicles and watercraft, aircraft, and motorcycles or their motors, equipment, parts or accessories;
    7. stolen or damaged property consisting of articles in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection;
    8. items purchased for resale, professional, or commercial use;
    9. permanent household and/or business fixtures, including, but not limited to, carpeting, flooring and/or tile;
    10. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters; and
    11. hospital, medical and dental equipment and devices.

    CLAIMS PROVISIONS
    If You experience a loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss. To insure prompt processing of Your claim, report any theft or damage immediately following the date of the Covered Incident, including for gifts purchased with the Card. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete.

    Notice of Claim
    Notice of Claim should be provided to Us within thirty (30) days of the loss. You may contact Us by calling toll-free stateside 1-800-322-1277 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us at Purchase Protection, PO Box 402, Golden CO 80402-0402. Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist You with Your Proof of Loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. For residents of Missouri, no claim will be denied based upon Your failure to provide notice within such specified time, unless this failure operates to prejudice the right of Us.

    Proof of Loss
    Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within thirty (30) days (for residents of North Dakota sixty (60) days) after We have provided You with instructions and/or a claim form in response to Your Notice of Claim or Your claim may be denied. Your Proof of Loss documentation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received.

    Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:

    1. a Purchase Protection Claim Form;
    2. the original itemized store receipt;
    3. the insurance declaration forms for Your other sources of insurance or indemnity (e.g., homeowner’s or renter’s insurance);
    4. a photograph of and/or repair estimate for the damaged property; and
    5. for theft and vandalism claims, a report regarding the stolen or vandalized property must be filed with the appropriate authority before You call to file a claim under Purchase Protection.

    No payment will be made on claims not substantiated in the manner required by Us.

    If all required documentation is not received within thirty (30) days (for residents of North Dakota sixty (60) days) of the date of the Covered Incident (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request.

    You may be required to send in the damaged property at Your expense for further evaluation of Your claim. If requested, You must send in the damaged property within thirty (30) days (for residents of North Dakota sixty (60) days) from the date of Our request to remain eligible for coverage.

    Payment of Claim
    A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan.

    Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment.

    If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and We will pay only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits, as provided under the Description of Benefits section.

    GENERAL PROVISIONS

    Change of Permanent Residence
    If the change is to a different state, Your Policy provisions may be adjusted to conform to the requirements of that state.

    Clerical Error
    A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force.

    Conformity with State and Federal Law
    If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law.

    Entire Contract; Representation; Change
    This Description of Coverage, the Policy and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage may be changed at any time by written agreement between the Master Policyholder and the Company. Only the President, Vice-President or Secretary of AMEX Assurance Company may change or waive the provisions of the Description of Coverage. No agent or other person may change the Description of Coverage or waive any of its terms. This Description of Coverage may be changed at any time by providing notice to You. A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any time.

    Excess Coverage
    If any loss under this Policy is insured under any other valid and collectible policy, then this Policy shall cover such loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such loss is in excess of the amount of such other insurance which is payable or paid.

    Fraud
    If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.

    We do not provide coverage to a Cardmember who, whether before or after a loss, has:

    1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or
    2. concealed or misrepresented any fact if the fact misrepresented contributes to the loss.

    Legal Actions
    No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years (for residents of Arkansas five (5) years and residents of Missouri ten (10) years) from the time written Proof of Loss is required to be given.

    If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law.

    Right of Recovery
    If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover from You any amount exceeding the maximum amount payable.

    Subrogation
    In the event of any payment under this Policy, We shall be subrogated to the extent of such payment to all Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights.

    We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party.

    For residents of Louisiana, the Right of Recovery, Subrogation and Excess Coverage sections are revised to reflect: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from another, the Company shall be subrogated to that right. However, the Company’s right to recover is subordinate to the Cardmember’s right to be fully compensated.

    Termination or Cancellation
    Coverage will cease on the earliest of the following:

    1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands;
    2. the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred;
    3. the date the Policy is cancelled;
    4. the date You are no longer a Cardmember;
    5. the date Your Account ceases to remain Current and in Good Standing; or
    6. the date the Plan is not available in the location where You maintain a Permanent Residence.

    Termination or Cancellation of coverage will not prejudice any claim originating prior to termination or cancellation subject to all other terms of the Policy. The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation.

    IMPORTANT ADDITIONAL INFORMATION FOR YOU
    For those eligible and enrolled in the Membership Rewards® program, benefits are also paid when the purchased property is received through the redemption of a Membership Rewards redemption certificate. Payment or credit will not exceed the original assigned value of the property received through redemption of a Membership Rewards redemption certificate up to the stated limits, excluding shipping and handling expenses. Benefits will not be paid when a Membership Rewards redemption certificate has been transferred to a non-eligible Cardmember or non-Cardmembers.

    This Description of Coverage replaces any other Description of Coverage that You may have previously received for Purchase Protection.

    This Description of Coverage is an important document. Please read it and keep it in a safe place.

    IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers:

    Signed: Steve C. Lindstrom  and C. Ray Cliett; AMEX Assurance Company

    APPLICABLE FOR RESIDENTS OF THE STATE OF ALASKA
    The opening paragraph in the Exclusion section is removed in its entirety and replaced with the following which is added and made part of the Description of Coverage:

    These exclusions do not apply if the dominate cause of a loss is a risk or peril that is not otherwise excluded. Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:

    The Legal Actions section is hereby removed in its entirety and replaced with the following which is added and made part of the Description of Coverage:

    LEGAL ACTIONS
    No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years from the time Proof of Loss is required to be given. If there are any claims the three year timeframe does not begin to run until after the claim has been denied.

    PP/EW-RDR1-AK 06/07

    APPLICABLE FOR RESIDENTS IN THE STATES OF ARIZONA
    Purchase Protection is governed by form numbers PP-IND-CCSG1 07/07, PP-IND-CCSG2 07/07, PP-IND-OSBN1 07/07, PP-IND-OSBN2 07/07 and PP-IND-End2 09/08

    References to Description of Coverage and Master Policy throughout the above form have been changed to Policy.

    The definitions of Master Policyholder and Plan are hereby removed.

    The following definitions are added to the Definitions section.

    American Express® Card means any credit or charge card bearing an American Express trademark or logo issued by American Express Travel Related Services Company, Inc. or its subsidiaries or affiliates or any of their licensees which can be used to purchase goods or services at merchants on the American Express Network and which American Express Travel Related Services Company, Inc. designates as eligible for coverage under the Policy.

    Policy as used throughout means this contract issued to the Cardmember providing the benefits described herein.

    The following provision is added to the General Provisions section.

    ASSIGNMENT
    No assignment will be acknowledged until it has been received by the Company. The Company does not make any acknowledgement of the effectiveness of an assignment or accept any responsibility for the validity or legality of any assignment.

    In all other respects, the provisions and conditions of the Policy remain the same.

    APPLICABLE FOR RESIDENTS IN THE STATES OF INDIANA
    Questions regarding your policy should be directed to:
    AMEX Assurance Company
    800-322-1277

    If you (a) need the assistance of the governmental agency that regulates insurance or (b) have a compliant you have been unable to resolve with your insurer you may contact the Department of Insurance by mail, telephone or email:
    State of Indiana Department of insurance
    Consumer Services Division
    311 West Washington Street, Suite 300
    Indianapolis, IN 46204-2787.
    Consumer Hotline: 1-800-622-4461. In the Indianapolis Area 1-317-232-2395.

    Complaints can be filed electronically at www.in.gov/idoi

    APPLICABLE FOR RESIDENTS OF THE STATE OF KENTUCKY

    In the Termination or Cancellation section the following is removed:

    The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation.

    And replaced with the following:

    The Company has the right to cancel the Policy at any time by sending a written notice at least seventy-five (75) days in advance to You at Your last known address. The notice will include the reason for cancellation.

    PP/EW-RDR1-KY 05/07

    APPLICABLE FOR RESIDENTS OF THE STATE OF NEW HAMPSHIRE
    The Description of Coverage is subject to laws of the State of New Hampshire. Any contract changes will be submitted for approval in the State of New Hampshire. Contract changes will not be transacted between the Master Policy and the insurer per NH RSA412:5 I.

    In the Conformity with State and Federal Law section the following is removed:

    If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law.

    And replaced with the following:

    If a Plan provision does not conform to applicable provisions of the State of New Hampshire or Federal law, the Plan is hereby amended to comply with such law.

    The following is added at the end of the Fraud section of Your Description of Coverage:

    Concealment, misrepresentation, and fraud can only applied to a claim to which it is material and coverage may not be denied to any Cardmember who had no knowledge of or participation in any concealment, misrepresentation or fraud.

    Concealment, misrepresentation, and fraud do not void the policy and must be an international act on behalf of You. We will not deny coverage under the Policy if this occurs. If You are without knowledge or participation in a fraudulent act they are not subject to denial of coverage under this section. This section only applies to a claim to which it is material and coverage may not be denied to You if You had no knowledge of or participation in any concealment, misrepresentation or fraud.

    In the Termination or Cancellation section the following is removed:

    2. the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred;
    And replaced with the following: 2. discovery of fraud or material misrepresentation by the named insured in pursuing a claim under the Policy;

    In the Termination or Cancellation section the following is removed: The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation.

    And replaced with the following:

    The Company has the right to cancel the Policy by sending a written notice at least sixty (60) days in advance to You at Your last known address. The notice will include the reason for cancellation.

    PP/EW-RDR1-NH 01/08

    APPLICABLE FOR RESIDENTS OF THE STATE OF OKLAHOMA
    The following is added to your Description of Coverage: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

    PP/EW-RDR1-OK 07/07

    APPLICABLE FOR RESIDENTS OF THE STATE OF OREGON

    In the Exclusions section the following are removed:

    4. violation of a criminal law, offense or infraction;
    6. fraud or abuse or illegal activity of any kind by the Cardmember;

    The Proof of Loss section is hereby removed in its entirety and replaced with the following:

    PROOF OF LOSS
    Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within ninety (90) days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim or Your claim may be denied. Your Proof of Loss documentation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received.

    Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:

    1. Purchase Protection Claim Form;
    2. the original itemized store receipt;
    3. the insurance declaration forms for Your other sources of insurance or indemnity (e.g., homeowner’s or renter’s insurance);
    4. a photograph of and/or repair estimate for the damaged property; and
    5. or theft and vandalism claims, a report regarding the stolen or vandalized property must be filed with the appropriate authority before You call to file a claim under Purchase Protection.

    No payment will be made on claims not substantiated in the manner required by Us.

    If all required documentation is not received within ninety (90) days of the date of the Covered Incident (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request.

    You may be required to send in the damaged property at Your expense for further evaluation of Your claim. If requested, You must send in the damaged property within ninety (90) days from the date of Our request to remain eligible for coverage.

    PP-RDR1-OR 05/07

    APPLICABLE FOR RESIDENTS OF THE STATE OF SOUTH DAKOTA

    The Legal Actions section is hereby removed in its entirety and replaced with the following:

    Legal Actions: No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after six (6) years from the time Proof of Loss is required to be given.

    PP/EW-RDR1-SD 05/07

    APPLICABLE FOR RESIDENTS OF THE STATE OF TEXAS
    Purchase Protection is governed by form numbers PP-IND-TX 07/07 and PP-IND-End2 09/08 References to Description of Coverage and Master Policy throughout the above form have been changed to Policy.

    The definitions of Master Policyholder and Plan are hereby removed.

    The following definitions are added to the Definitions section.

    American Express® Card means any credit or charge card bearing an American Express trademark or logo issued by American Express Travel Related Services Company, Inc. or its subsidiaries or affiliates or any of their licensees which can be used to purchase goods or services at merchants on the American Express Network and which American Express Travel Related Services Company, Inc. designates as eligible for coverage under the Policy.

    Policy as used throughout means this contract issued to the Cardmember providing the benefits described herein.

    The following was added to the end of the Payment of Claim provision

    Within fifteen (15) days after We receive Your Notice of Claim, We will:

    1. acknowledge receipt of claim. If We do not acknowledge receipt of the claim in writing, We will keep a record of the date, method and content of the acknowledgement;
    2. begin an investigation of the claim; and
    3. request a signed, sworn Proof of Loss, specify the information You must provide and supply You with the necessary forms. We may request more information at a later date, if during the investigation of the claim such additional information is necessary.

    We will notify You in writing as to whether:

    1. the claims or part of the claim will be paid;
    2. the claim or part of the claim has been denied, and inform You of the reasons for denial, more information is necessary; or We need additional time to reach a decision. If We need additional time, We will inform You of the reasons for such need.

    We will pay for covered loss or damage within five (5) business days after:

    1. We have notified You that payment of the claim or part of the claim will be made and have reached agreement with You on the amount of loss; or
    2. an appraisal award has been made. However, if payment of the claim or part of the claim is condition on Your compliance with any of the terms of this Coverage part, We will make payment within five (5) business days after the date You have complied with such items.

    The following provision is added to the General Provisions section.

    ASSIGNMENT
    No assignment will be acknowledged until it has been received by the Company. The Company does not make any acknowledgement of the effectiveness of an assignment or accept any responsibility for the validity or legality of any assignment.

    In all other respects, the provisions and conditions of the Policy remain the same.

    IMPORTANT NOTICE

    FOR TEXAS RESIDENTS

    TO OBTAIN IMFORMATION OR MAKE A COMPLAINT:

    You may call AMEX Assurance’s toll-free telephone number for information or to make a complaint at:

    1-800-322-1277

    You may also write to AMEX Assurance Company at:

    AMEX Assurance Company
    MC:080120,20022 N. 31st Ave.
    Phoenix, AZ 85027

    You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights or complaints at:

    1-800-252-3439

    You may write the Texas Department of Insurance at:

    P.O. Box 149104
    Austin, TX 78714-9104
    Fax# (512) 490-1007
    Web: www.tdi.texas.gov
    E-mail: ConsumerProtection@tdi.texas.gov

    PREMIUM OR CLAIM DISPUTES:
    Should you have a dispute concerning your premium or about a claim you should contact the company first. If the dispute is not resolved, you may contact the Texas Department of Insurance.

    ATTACH THIS NOTICE TO YOUR POLICY: This notice is for information only and does not become a part or condition of the attached document.

    AVISO IMPORTANTE
    PARA LOS RESIDENTES DE TEXAS

    PARA OBTENER INFORMACION O PARA SOMETER UNA QUEJA:

    Usted puede llamar al numero de telefono gratis de AMEX Assurance Company’s para informacion o para someter una queja al:

    1-800-322-1277

    Usted tambien puede escribir a AMEX Assurance Company:

    AMEX Assurance Company
    MC:080120,20022 N.31st Ave.
    Phoenix, AZ 85027

    Puede comunicarse con el Departamento de Seguros de Texas para obtener informacion acerca de companies, coberturas, derechos o quejas al:

    1-800-252-3439

    Puede escribir al Departamento de Seguros de Texas:

    P.O. Box 149104
    Austin, TX 78714-9104
    Fax# (512) 490-1007
    Web: www.tdi.texas.gov
    E-mail: ConsumerProtection@tdi.texas.gov

    DISPUTAS SOBRE PRIMAS O RECLAMOS:
    Si tiene una disputa concerniente a su prima o a un reclamo, debe comunicarse con la compania primero. Si no se resuelve la disputa, puede entonces comunicarse con el departamento (TDI)

    UNA ESTE AVISO A SU POLIZA: Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del documento adjunto.

    NO-TX-PP 07/10

    APPLICABLE FOR RESIDENTS OF THE STATE OF VERMONT

    In the Termination or Cancellation section the following is removed:

    The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation.

    And replaced with the following:

    We may cancel this policy only for the reasons stated in this condition by notifying you in writing of the date cancellation takes effect. This cancellation notice may be delivered to you, or mailed by certified mail to you at your mailing address shown in the Declarations except that in the case of cancellation for non-payment of premium, the cancellation notice will be by certified mail or certificate of mailing. Proof of mailing will be sufficient proof of notice.

    (1) When you have not paid the premium, or there is a substantial increase in hazard, we may cancel at any time by notifying you at least 15 days before the date cancellation takes effect.

    (2) When this policy has been in effect for less than 60 days and is not a renewal with us, we may cancel for any reason by notifying you at least 45 days before the date cancellation takes effect.

    (3) When this policy has been in effect for 60 days or more or at any time if it is a renewal with us, we may cancel for one or more of the following reasons:

    (a) Non-payment of premium or substantial increase in hazard provided that in the case of substantial increase in hazard, we have secured approval for the cancellation from the commissioner of insurance. This can be done by notifying you 15 days before the date cancellation takes effect; or

    (b) Fraud or material misrepresentation affecting the policy or in the presentation of a claim, or violation of any provisions of the policy. This can be done by letting you know 45 days before the date cancellation takes effect.

    (4) When this policy is written for a period of more than one year, we may cancel for any reason at anniversary by letting you know at least 45 days before the date cancellation takes effect.

    Nonrenewal

    We may elect not to renew this policy. We may do so by delivering to you, or mailing by certified mail to you at your mailing address shown in the Declarations, written notice at least 45 days before the expiration date of this policy. Proof of mailing will be sufficient proof of notice. This condition does not apply:

    a. If we have manifested our willingness to renew; or

    b. In the case of non-payment of premium; or

    c. If you fail to pay any advance premium required by us for renewal; or

    d. If any insured property designated in the policy is insured under any other insurance policy.

    Renewal Of The Policy

    a. If we elect to renew this policy and have the necessary information to issue the renewal policy, we will confirm in writing at least 45 days prior to the expiration our intention to renew the policy and confirm the premium at which the policy is to be renewed.

    b. If we do not comply with the conditions set forth in the above paragraph, you will be granted renewal coverage at the rate or premium in effect on the expiration date, which has been approved by the Commissioner. This will be done on a pro rata basis and will continue for 45 days after his company confirms renewal coverage and premium. This provision will not apply if you accept the renewal policy.

    All other provisions of this policy apply.

    PP/EW-RDR1-VT 10/12

    Applicable for Residents of Your State

    In the Exclusion section, Exclusion number 16 is being added and made part of the Description of Coverage:

    16. Purchases lost or misplaced.

    Effective May 1, 2010, your certificate or policy is amended to reflect that Amex Assurance Company’s Administrative Office is changed to

    MC: 080120
    20022 N. 31st Avenue
    Phoenix, AZ 85027
    P.O. Box 53701
    Phoenix, AZ 85072-9872

    Effective May 1, 2010, your certificate or policy is amended to reflect that Amex Assurance Company’s Claim Administrative Office is changed to

    P.O. Box 981553
    El Paso, TX 79998-9920

    All other terms of your certificate or policy remain unchanged.

    MG-ADCHG-END3 04/10

    FOR RESIDENTS OF PUERTO RICO

    DESCRIPTION OF COVERAGE

    Underwritten by AMEX Assurance Company
    Mailing Address, P.O. Box 53701 Phoenix, AZ 85072-9872
    Purchase Protection provides coverage for Your purchases for ninety (90) days from the date of purchase when You charge any portion of the price of the purchased item to Your Account. You will be reimbursed only for the amount charged to Your Account.(See Description of Benefits section)

    DEFINITIONS

    Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires.

    Account means Your American Express Card Account.

    Cardmember means a person who has been issued a United States of America based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence in Puerto Rico.

    Covered item means any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account, except those specified under the Section titled Purchases Not Covered.

    Covered Incident means the theft of, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account.

    1. Theft means the unlawful taking from the Cardmember, of the covered item of property purchased and charged to his/her Account
    2. Damage means the breaking, destruction and/or malfunction, whether by accident or vandalism of the covered item of property purchased and charged to the Cardmember Account
    3. Vandalism means the willful or malicious destruction by a person other than the Cardmember, of the covered item of property purchased and charged to his/her Account.
    4. Accident means the unforeseen and unplanned breaking, destruction and/or malfunction of the covered item of property purchased and charged to the Cardmember Account.

    Company means AMEX Assurance Company and its duly authorized agents.

    Current and in Good Standing means a Cardmember Account for which the monthly minimum requirement has been paid prior to the date in which the claim is payable.

    Master Policyholder means American Express Travel Related Services Company, Inc.

    Permanent Residence means the one primary dwelling place where the Cardmember resides and to which they intend to return.

    Plan means the Policy and the benefits described therein.

    Policy means the Group Insurance Master Policy issued to American Express Travel Related Services Company, Inc.

    We, Us, Our means the Company.

    You, Your means the Cardmember.

    DESCRIPTION OF BENEFITS

    We will pay You the expense charged to Your Account up to $1,000 for any one Covered Incident and up to $50,000 for all Covered Incidents during a calendar year. Purchase Protection provides benefits, for ninety (90) days from the date of purchase, if a Covered Incident occurs with respect to property You purchased and charged to Your Account. Our benefit payment will not include shipping and handling expenses or installation, assembly, professional advice, maintenance or other service charges or any product rebates, discounts or money received from lowest price comparison programs that reduced the original cost of the property.

    Our payment of any eligible benefit amount is further contingent upon Your Account being Current and in Good Standing. Only a Cardmember has a legal and equitable right to any insurance benefit that may be available under this Plan.

    EXCLUSIONS

    Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:

    1. war or any act of war, whether declared or undeclared;
    2. any activity directly related to and occurring while in the service of any armed military force of any nation state recognized by the United Nations;
    3. participation in a riot, civil disturbance, protest or insurrection;
    4. violation of a criminal law, offense or infraction;
    5. natural disasters, including, but not limited to, hurricanes, floods, tornados, earthquakes or any other event in the course of nature, that occurs at the same time or in separate instances;
    6. fraud or abuse or illegal activity of any kind by the Cardmember;
    7. confiscation by any governmental authority, public authority, or customs official;
    8. negligent failure of a duty to care by any third party in whose possession the property purchased by a Cardmember has been temporarily placed;
    9. not being reasonably safeguarded by You;
    10. theft from baggage not carried by hand and under Your personal supervision or under the supervision of a traveling companion known by You;
    11. damage through alteration (including, but not limited to, cutting, sawing and shaping);
    12. normal wear and tear, inherent product defect or manufacturer's defects or normal course of play;
    13. damage or theft while under the care and control of a common carrier;
    14. food spoilage;
    15. leaving property at an unoccupied construction site; or
    16. purchases lost or misplaced.
    PURCHASES NOT COVERED

    The following purchases are not covered:

    1. travelers checks, tickets of any kind, negotiable instruments (including, but not limited to, gift certificates, gift cards and gift checks), cash or its equivalent;
    2. animals or living plants;
    3. rare stamps or coins;
    4. consumable or perishable items with limited life spans (including, but not limited to, perfume, light bulbs, batteries);
    5. antique or previously owned items;
    6. motorized vehicles and watercraft, aircraft, and motorcycles or their motors, equipment, parts or accessories;
    7. lost, stolen, or damaged property consisting of articles in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection;
    8. items purchased for resale, professional, or commercial use;
    9. permanent household and/or business fixtures, including, but not limited to, carpeting, flooring and/or tile;
    10. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters; and
    11. hospital, medical and dental equipment and devices.
    CLAIMS PROVISIONS

    If You experience a loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss.

    To insure prompt processing of Your claim, report any theft or damage immediately following the date of the Covered Incident, including for gifts purchased with the Card. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete.

    Notice of Claim

    Notice of Claim should be provided to Us within thirty (30) days of the loss. You may contact Us by calling toll-free stateside 1-800-322-1277 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us at Purchase Protection, PO Box 402, Golden, CO 80402.

    Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist You with Your Proof of Loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable.

    Proof of Loss

    Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within one year from the date of your Notice of Claim. Your Proof of Loss documentation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received.

    Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:

    1. a Purchase Protection Claim Form;
    2. the original itemized store receipt;
    3. the insurance declaration forms for Your other sources of insurance or indemnity (e.g., homeowner's or renter's insurance);
    4. a photograph of and/or repair estimate for the damaged property; and
    5. for theft and vandalism claims, a report regarding the stolen or vandalized property must be filed with the appropriate authority before You call to file a claim under Purchase Protection.

    No payment will be made on claims not substantiated in the manner required by Us.

    If all required documentation is not received within one year from the date of your Notice of Claim (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request.

    You may be required to mail the damaged product to Us at Your expense for further evaluation of Your claim. If requested, You must mail it within one year from the date of request to remain eligible for coverage.

    Payment of Claim

    A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan.

    Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment.

    If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and We will pay only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits, as provided under the Description of Benefits section.

    GENERAL PROVISIONS

    Clerical Error

    A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force.

    Conformity with Puerto Rico and Federal Law

    If a Plan provision does not conform to applicable provisions of Puerto Rico or Federal law, the Plan is hereby amended to comply with such law.

    Entire Contract; Representation; Change

    This Description of Coverage, the Policy and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage may be changed at any time by written agreement between the Master Policyholder and the Company. Only the President, Vice-President or Secretary of AMEX Assurance Company of Puerto Rico may change or waive the provisions of the Description of Coverage. No agent or other person may change the Description of Coverage or waive any of its terms. This Description of Coverage may be changed at any time . A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any time.

    Excess Coverage

    If any loss under this Policy is insured under any other valid and collectible policy, then this Policy shall cover such loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such loss is in excess of the amount of such other insurance which is payable or paid.

    Fraud

    If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.

    We do not provide coverage to a Cardmember who, whether before or after a loss, has:

    1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or
    2. concealed or misrepresented any fact if the fact misrepresented contributes to the loss.

    Moreover, any person who knowingly and with the intent to defraud provides false information in an insurance application, or presents, assists, or makes a fraudulent claim for the payment of a loss or other benefit, or presents more than one claim for the same incident of damage or loss, will commit a felony and if convicted will be sentenced for each violation with a fine of no less than five thousand ($5,000) dollars and not exceeding ten thousand ($10,000) dollars, or be sentenced to prison for a fixed term of three (3) years, or both penalties. In the event of aggravating circumstances, the term could be increased to a maximum of five (5) years; in the event of intervening extenuating circumstances it could be reduced up to a minimum of two (2) years.

    Legal Actions

    No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years from the time written Proof of Loss is required to be given.

    If a time limit of this Plan is less than allowed by the laws of Puerto Rico where You live, the limit is extended to meet the minimum time allowed by such law.

    Right of Recovery

    If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover from You any amount exceeding the maximum amount payable.

    Subrogation

    In the event of any payment under this Policy, We shall be subrogated to the extent of such payment to all Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights.

    We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party.

    Termination or Cancellation

    Coverage will cease on the earliest of the following:

    1. the date You no longer maintain a Permanent Residence in Puerto Rico; to the extent that the new Permanent Residence is in one of the 50 states of the United States of America or the District of Columbia, the Cardmember may be eligible for coverage under a separate plan provided by AMEX Assurance Company or another underwriter, the terms of which can be obtained by calling the toll free number on the back of your American Express Card.
    2. the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred;
    3. the date the Policy is cancelled;
    4. the date You are no longer a Cardmember;
    5. the date Your Account ceases to remain Current and in Good Standing; or
    6. the date the Plan is not available in the location where You maintain a Permanent Residence.

    Termination or Cancellation of coverage will not prejudice any claim originating prior to termination or cancellation subject to all other terms of the Policy.

    The Company can cancel this Master Policy for the following reasons: non-payment of premiums due to the Company by the Master Policyholder; high loss experience or; the Company decision to stop underwriting this kind of insurance program. The Cardmember has the right to know and/or request the grounds on which the Policy is cancelled. To that effect, the Company must provide sixty (60) days written notice, actually delivered or mailed by certified mail, prior to the date cancellation is effective, indicating in such notice the reason for cancellation.

    Master Policyholder Cancellation

    The Master Policyholder may cancel the Master Policy by giving the Company written notice of what future date the Master Policy shall be cancelled. The Master Policyholder must notify Cardmembers of the date their coverage is cancelled or replaced. The Master Policyholder must provide to the Company sixty (60) days written notice and to the Cardmember thirty (30) days written notice prior to the date cancellation is effective.

    IMPORTANT ADDITIONAL INFORMATION FOR YOU

    American Express Travel Related Services Company, Inc. operates a program called the Membership Rewards ® program. That program permits enrolled Cardmembers to earn Membership Rewards points and to purchase goods from participating merchants using Membership Rewards redemption certificates.

    For those eligible and enrolled in the Membership Rewards program, Purchase Protection benefits under this Plan are also paid when the purchased property is received through the redemption of a Membership Rewards redemption certificate. Payment or credit will not exceed the original assigned value of the property received through redemption of a Membership Rewards redemption certificate up to the stated limits, excluding shipping and handling expenses. Benefits will not be paid when a Membership Rewards redemption certificate has been transferred to a non-eligible Cardmember or non-Cardmembers.

    This Description of Coverage replaces any other Description of Coverage that You may have previously received for Purchase Protection.

    This Description of Coverage is an important document. Please read it and keep it in a safe place.

    The Cardmember can request a copy of the Master Policy by calling 1-800-322-1277.

    IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers:

    Signed: Steve C. Lindstrom  and C. Ray Cliett; AMEX Assurance Company

    PP-DOC-CCSG1-PR

    FOR RESIDENTS OF U.S. VIRGIN ISLANDS

    DESCRIPTION OF COVERAGE

    Underwritten by AMEX Assurance Company
    Mailing Address, P.O. Box 53701 Phoenix, AZ 85072-9872
    Purchase Protection provides coverage for Your purchases for ninety (90) days from the date of purchase when You charge any portion of the price of the purchased item to Your Account. You will be reimbursed only for the amount charged to Your Account .(See Description of Benefits section)

    DEFINITIONS

    Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires.

    Account means Your American Express Card Account.

    Cardmember means a person who has been issued a United States of America based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence in The United States Virgin Islands.

    Covered item means any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account, except those specified under the Section titled Purchases Not Covered.

    Covered Incident means the theft of, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account.

    1. Theft means the unlawful taking from the Cardmember, of the covered item of property purchased and charged to his/her Account
    2. Damage means the breaking, destruction and/or malfunction, whether by accident or vandalism of the covered item of property purchased and charged to the Cardmember Account
    3. Vandalism means the willful or malicious destruction by a person other than the Cardmember, of the covered item of property purchased and charged to his/her Account.
    4. Accident means the unforeseen and unplanned breaking, destruction and/or malfunction of the covered item of property purchased and charged to the Cardmember Account.

    Company means AMEX Assurance Company of North America and its duly authorized agents.

    Current and in Good Standing means a Cardmember Account for which the monthly minimum requirement has been paid prior to the date in which the claim is payable.

    Master Policyholder means American Express Travel Related Services Company, Inc.

    Permanent Residence means the one primary dwelling place where the Cardmember resides and to which they intend to return.

    Plan means the Policy and the benefits described therein.

    Policy means the Group Insurance Master Policy issued to American Express Travel Related Services Company, Inc.

    We, Us, Our means the Company.

    You, Your means the Cardmember.

    DESCRIPTION OF BENEFITS

    We will pay You the expense charged to Your Account up to $1,000 for any one Covered Incident and up to $50,000 for all Covered Incidents during a calendar year. Purchase Protection provides benefits, for ninety (90) days from the date of purchase, if a Covered Incident occurs with respect to property You purchased and charged to Your Account. Our benefit payment will not include shipping and handling expenses or installation, assembly, professional advice, maintenance or other service charges or any product rebates, discounts or money received from lowest price comparison programs that reduced the original cost of the property.

    Our payment of any eligible benefit amount is further contingent upon Your Account being Current and in Good Standing. Only a Cardmember has a legal and equitable right to any insurance benefit that may be available under this Plan.

    EXCLUSIONS

    Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:

    1. war or any act of war, whether declared or undeclared;
    2. any activity directly related to and occurring while in the service of any armed military force of any nation state recognized by the United Nations;
    3. participation in a riot, civil disturbance, protest or insurrection;
    4. violation of a criminal law, offense or infraction;
    5. natural disasters, including, but not limited to, hurricanes, floods, tornados, earthquakes or any other event in the course of nature, that occurs at the same time or in separate instances;
    6. fraud or abuse or illegal activity of any kind by the Cardmember;
    7. confiscation by any governmental authority, public authority, or customs official;
    8. negligent failure of a duty to care by any third party in whose possession the property purchased by a Cardmember has been temporarily placed;
    9. not being reasonably safeguarded by You;
    10. theft from baggage not carried by hand and under Your personal supervision or under the supervision of a traveling companion known by You;
    11. damage through alteration (including, but not limited to, cutting, sawing and shaping);
    12. normal wear and tear, inherent product defect or manufacturer's defects or normal course of play;
    13. damage or theft while under the care and control of a common carrier;
    14. food spoilage;
    15. leaving property at an unoccupied construction site; or
    16. purchases lost or misplaced.

    PURCHASES NOT COVERED

    The following purchases are not covered:

    1. travelers checks, tickets of any kind, negotiable instruments (including, but not limited to, gift certificates, gift cards and gift checks), cash or its equivalent;
    2. animals or living plants;
    3. rare stamps or coins;
    4. consumable or perishable items with limited life spans (including, but not limited to, perfume, light bulbs, batteries);
    5. antique or previously owned items;
    6. motorized vehicles and watercraft, aircraft, and motorcycles or their motors, equipment, parts or accessories;
    7. lost, stolen, or damaged property consisting of articles in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection;
    8. items purchased for resale, professional, or commercial use;
    9. permanent household and/or business fixtures, including, but not limited to, carpeting, flooring and/or tile;
    10. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters; and
    11. hospital, medical and dental equipment and devices.

    CLAIMS PROVISIONS

    If You experience a loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss.

    To insure prompt processing of Your claim, report any theft or damage immediately following the date of the Covered Incident, including for gifts purchased with the Card. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete.

    Notice of Claim

    Notice of Claim should be provided to Us within thirty (30) days of the loss. You may contact Us by calling toll-free stateside 1-800-322-1277 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us at Purchase Protection, PO Box 402, Golden, CO 80402-0402.

    Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist You with Your Proof of Loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable.

    Proof of Loss

    Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within one year from the date of your Notice of Claim. Your Proof of Loss documentation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received.

    Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:

    1. a Purchase Protection Claim Form;
    2. the original itemized store receipt;
    3. the insurance declaration forms for Your other sources of insurance or indemnity (e.g., homeowner's or renter's insurance);
    4. a photograph of and/or repair estimate for the damaged property; and
    5. for theft and vandalism claims, a report regarding the stolen or vandalized property must be filed with the appropriate authority before You call to file a claim under Purchase Protection.

    No payment will be made on claims not substantiated in the manner required by Us.

    If all required documentation is not received within one year from the date of your Notice of Claim (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request.

    You may be required to mail the damaged product to Us at Your expense for further evaluation of Your claim. If requested, You must mail it within one year from the date of request to remain eligible for coverage.

    Payment of Claim

    A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan.

    Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment.

    If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and We will pay only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits, as provided under the Description of Benefits section.

    GENERAL PROVISIONS

    Clerical Error

    A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force.

    Conformity with The United States Virgin Islands and Federal Law

    If a Plan provision does not conform to applicable provisions of The United States Virgin Islands or Federal law, the Plan is hereby amended to comply with such law.

    Entire Contract; Representation; Change

    This Description of Coverage, the Policy and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage may be changed at any time by written agreement between the Master Policyholder and the Company. Only the President, Vice-President or Secretary of AMEX Assurance Company of North America may change or waive the provisions of the Description of Coverage. No agent or other person may change the Description of Coverage or waive any of its terms. This Description of Coverage may be changed at any time . A copy, of the Policy will be maintained and kept by the Master Policyholder and may be examined at any time.

    Excess Coverage

    If any loss under this Policy is insured under any other valid and collectible policy, then this Policy shall cover such loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such loss is in excess of the amount of such other insurance which is payable or paid.

    Fraud

    If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.

    We do not provide coverage to a Cardmember who, whether before or after a loss, has:

    1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or
    2. concealed or misrepresented any fact if the fact misrepresented contributes to the loss.

    Legal Actions

    No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years from the time written Proof of Loss is required to be given.

    If a time limit of this Plan is less than allowed by the laws of The United States Virgin Islands, the limit is extended to meet the minimum time allowed by such law.

    Right of Recovery

    If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover from You any amount exceeding the maximum amount payable.

    Subrogation

    In the event of any payment under this Policy, We shall be subrogated to the extent of such payment to all Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights.

    We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party.

    Termination or Cancellation

    Coverage will cease on the earliest of the following:

    1. the date You no longer maintain a Permanent Residence in The United States Virgin Islands ; to the extent that the new Permanent Residence is in one of the 50 states of the United States of America or the District of Columbia, the Cardmember may be eligible for coverage under a separate plan provided by AMEX Assurance Company or another underwriter, the terms of which can be obtained by calling the toll free number on the back of your American Express Card.
    2. the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred;
    3. the date the Policy is cancelled;
    4. the date You are no longer a Cardmember;
    5. the date Your Account ceases to remain Current and in Good Standing; or
    6. the date the Plan is not available in the location where You maintain a Permanent Residence.

    Termination or Cancellation of coverage will not prejudice any claim originating prior to termination or cancellation subject to all other terms of the Policy.

    The Company can cancel this Master Policy for the following reasons: non-payment of premiums due to the Company by the Master Policyholder; high loss experience or; the Company decision to stop underwriting this kind of insurance program. The Cardmember has the right to know and/or request the grounds on which the Policy is cancelled. To that effect, the Company must provide sixty (60) days written notice, actually delivered or mailed by certified mail, prior to the date cancellation is effective, indicating in such notice the reason for cancellation. If the Company cancels, the Master Policyholder must assist the Company in notifying Cardmembers of the date their insurance is cancelled.

    Master Policyholder Cancellation

    The Master Policyholder may cancel the Master Policy by giving the Company written notice of what future date the Master Policy shall be cancelled. The Master Policyholder must notify Cardmembers of the date their coverage is cancelled or replaced. The Master Policyholder must provide to the Company sixty (60) days written notice and to the Cardmember thirty (30) days written notice prior to the date cancellation is effective, actually delivered or mailed by certified mail, prior to the date cancellation is effective, indicating in such notice the reason for cancellation.

    IMPORTANT ADDITIONAL INFORMATION FOR YOU

    American Express Travel Related Services Company, Inc. operates a program called the Membership Rewards ® program. That program permits enrolled Cardmembers to earn Membership Rewards points and to purchase goods from participating merchants using Membership Rewards redemption certificates.

    For those eligible and enrolled in the Membership Rewards program, Purchase Protection benefits under this Plan are also paid when the purchased property is received through the redemption of a Membership Rewards redemption certificate. Payment or credit will not exceed the original assigned value of the property received through redemption of a Membership Rewards redemption certificate up to the stated limits, excluding shipping and handling expenses. Benefits will not be paid when a Membership Rewards redemption certificate has been transferred to a non-eligible Cardmember or non-Cardmembers.

    This Description of Coverage replaces any other Description of Coverage that You may have previously received for Purchase Protection.

    This Description of Coverage is an important document. Please read it and keep it in a safe place.

    The Cardmember can request a copy of the Master Policy by calling 1-800-473-7346.

    IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers:

    Signed: Steve C. Lindstrom  and C. Ray Cliett; AMEX Assurance Company

    PP-DOC-CCSG1-VI

    Notice of Claim Address Change Endorsement

    THIS ENDORSEMENT CHANGES YOUR DESCRIPTION OF COVERAGE/CERTIFICATE. PLEASE READ IT CAREFULLY. ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED.

    The section regarding Notice of Claim is amended to reflect AMEX Assurance Company's new claims address is:

    P.O. Box 981553, El Paso, TX 79998-9920


    Notice of any claim you may have should be directed only to the above address for the following Descriptions of Coverage or Certificates:

    EW-DOC-CCSG1-VI, EW-DOC-CCSG2-VI, EW-DOC-OSBN2-VI, EW-DOC-OSBN1-VI, PP-DOC-OSBN1-VI, PP-DOC-OSBN2-VI,
    PP-DOC-CCSG1-VI, PP-DOC-CCSG2-VI,
    TAI-DOC-VI, BIP-DOC-VI, BIP-DOC-PLAT-VI

    USVI ADCHG END 12.12

    © 2016 American Express Travel Related Services Company, Inc.

    GLOBAL ASSIST® SERVICES

    If you’re traveling more than 100 miles from home and need emergency assistance, you can be backed by Global Assist®. We can direct you to English-speaking medical and legal professionals, help with lost passports, and more. American Express reserves the right to contact or require the consent of the American Express Prepaid Card purchaser prior to providing certain Global Assist benefits. While the Global Assist coordination and assistance services are benefits available at no additional charge, Card users are responsible for costs charged by medical and legal providers, transportation charges and any other fees charged by services providers.”

    Please visit americanexpress.com/target for more information about Purchase Protection and Global Assist® Services.

    ©2016 American Express Travel Related Services Company, Inc.